Açık Bankacılığa Geçiş ve Avrupa Birliği Ödeme Hizmetleri Kurallarının (PSD2) Rolü

Avrupa Birliği, Eylül 2019’da ödeme sistemleri ile ilgili yeni kuralları uygulamaya başlayacaktır. İkinci Ödeme Hizmetleri (PSD2) yönergesi gereği, ‘açık bankacılığa geçiş’in ilk adımını, bankaların, müşteri verileri/hesap bilgileri ve alt yapılarını üçüncü taraflara erişilebilir hale getirmeleri zorunluluğu oluşturmaktadır. İlgili kurallar Avrupa Birliği ve diğer ülkeler arasındaki ödemeleri de kapsamaktadır. Bu araştırmanın amacı, yeni kuralların uygulamasının getirdiği avantajlar, riskler ve olası sonuçlarını araştırmaktır. Literatür taraması sonucunda, Avrupa Birliği ile ödeme ilişkisi olan diğer ülkelerinde olası riskler için önlemler, yerel mevzuat güncellemesi, özellikle bankaların müşteri veri ve hesap bilgilerini ödeme hizmetleri kurumları ile güvenle paylaşmak için sistemlerinde gerekli önlemleri almaları önerilmektedir.

Transition to Open Banking Regime and Role of European Union Payment Services (PSD2) Rules

European Union will start implementing new rules on payment systems as of September 2019. First step of ‘open banking’ is banks sharing their data/ account information with third party payment services companies. Payment between European Union and other countries are subject to these rules. The aim of this study is to investigate the advantages, risks and possible consequences of the implementation of new rules. As a result of literature review, countries who have relationship with European Union including Turkey, must take necessary precautions about risks,update local legislation and especially banks must adapt their systems as per PSD2 rules.

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